The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,622
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$493/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$473/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,746
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$593/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,414
−HK$568/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,140
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$691/mo
Today · 4.125%
HK$23,242
baseline
▲ 0.50% · 4.625%
HK$24,656
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,484/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$662/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$26,997
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$889/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,818/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,282
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$851/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,710
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,527 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).